Mestdagh Wealth Management

Accumulation

You’re building a career, maybe raising kids, and making decisions today that will shape your life decades from now. Maybe you see yourself buying a vacation home in ten years, setting aside money for your kids’ education, or simply watching your net worth grow through steady investing.

Together, we map these things out, so they don’t just remain wishes—they become a real plan.

But life has a way of testing us. Unemployment. Market swings. Families go through loss. None of us are immune to those curveballs.

Ironically, the accumulation stage isn’t just about saving—it’s about preparing for “what ifs” so that when something unexpected happens, the finances don't add to the emotional toll.

My job is to make sure your goals stay intact, even when life takes a turn. That way, you can move forward with confidence knowing you’re built not just for growth, but for resilience.

Preservation

Accumulation

After years of dedication, you've built a strong foundation. Retirement is no longer just a distant idea—it’s starting to come into focus.

Kids are moving out, cash flow is improving, and for many, this is the time when catch-up contributions let you stockpile savings before retiring.

At this stage, your tolerance for risk might even be evolving. Whereas a recession used to mean buying the market on sale, it now jeopardizes your retirement timeline.

This is when the bucket strategy comes into play. Short-term, mid-term, and long-term buckets with a simple goal: if markets crash, your retirement timeline doesn’t.

Preservation isn’t about taking risk off the table—it’s about being intentional with that risk. By repositioning what you’ve built to enter retirement with excitement instead of anxiety.

Distribution

Accumulation

Distribution

For the first time in your adult life, the paycheck is done—and savings become your source of income.

A carousel of questions cycle through your mind.

"When should I start social security? How much do I withdraw this year? Can I lower my tax bill? What actually happens if the market crashes?"

These are all valid concerns. And left unanswered, they turn into a guessing game.

The truth is that this phase about more than just math. Each retiree has expectations for what their life should look like. But leaving it up to chance is like going on a road trip without directions. You'll get somewhere, we just don't know where.

It's like Joel Barker once said, "Speed is only useful if you're going in the right direction." What direction are you headed?

Frequently Asked Questions

What makes you different from other financial advisors?

As a Certified Financial Planner® practitioner, Mike is held to the industry’s highest fiduciary standard, meaning he is legally and ethically required to always act in your best interest. Our data-driven, customized approach ensures every decision is made with your financial goals in mind.

Who do you typically work with?

Our clients are athletes, executives, and professionals with over $500,000 in investable assets who are looking for strategic guidance to accumulate, preserve, and distribute their wealth.

How often will we meet?

We believe in consistent communication and adjusting strategies as needed. Not only will you receive weekly updates from Mike, but we'll schedule regular check-ins based on your preference—whether it’s quarterly, semiannually, or annually—to keep your financial plan aligned with your evolving goals.

How do I access my account(s)?

Mike will help you set up your online login. And outside of the quarterly statements you'll receive, you can check on your account(s) as often or as little as you'd like.

How do you get paid?

At Mestdagh Wealth Management, transparency matters. We are compensated in two ways:

Assets Under Management (AUM): We charge a percentage of the assets we manage, meaning our success is directly tied to your portfolio’s growth.
Insurance & Income Solutions: When helping with insurance or income planning, we may receive commissions from the insurance company, allowing us to provide protection strategies for you.

What is the benefit of working with an independent wealth manager?

Working with an independent wealth manager allows us to customize to your specific needs and goals, rather than use a standardized approach. With the freedom to choose from a wide range of investment and insurance solutions, being independent allows Mike to provide unbiased guidance and tailor recommendations that align with your best interests.

What services do you offer?

Please click on the "Services" tab at the top of this page.

Where is my money invested?

We have access to a variety of trusted custodians and investment platforms to best suit your needs. Your assets are held with a third-party custodian, providing security, transparency, and protection while we make investment decisions together. This structure allows you to benefit from institutional-quality custodial services while still receiving personalized, independent advice tailored to your financial goals.

What is your investment philosophy?

Mike focuses on low-cost, tax-efficient portfolios with statistically supported track records. Diversification helps manage risk and avoid being overly reliant on one asset class, while regular rebalancing keeps your portfolio aligned with your goals.

What if I just want a second opinion?

Mike offers a complimentary review of your current portfolio and retirement plan to identify the potential good, bad, and ugly. Whether you’re looking for confirmation or a fresh perspective, you'll get unbiased insights to help you make informed decisions—no pressure, no obligation.

How do you stay personal while working with other clients?

Mike is intentional with each client he brings on. This allows him to offer customized strategies, proactive communication, and unique financial guidance. By maintaining a narrow client base, he ensures that every client receives the high-quality service and strategic planning they deserve.

Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP® in the United States to

Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the

organization’s initial and ongoing certification requirements to use the certification marks.

Securities and Advisory services offered through GWN Securities, Inc., Member FINRA/SIPC, a Registered Investment Advisor.

11440 N. Jog Road, Palm Beach Gardens, FL 33418. (561) 472-2700.

Mestdagh Wealth Management and GWN Securities, Inc. are separate companies.

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